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Schemes / Government of India

Pradhan Mantri Jan Dhan Yojana (PMJDY)

Central schemeeveryoneLow income / BPL

Basic savings bank accounts for every unbanked adult, with a RuPay debit card, built-in accident insurance and access to small overdrafts.

What you get

A zero-balance basic savings account; a RuPay debit card with accident insurance cover of ₹2 lakh (for accounts opened after 28 August 2018); an overdraft facility of up to ₹10,000 for eligible account holders; and a channel for DBT, PMJJBY, PMSBY and APY.

Who can apply

  • Any Indian resident aged 10 or above without a bank account (minors operate with a guardian)

How to apply

  1. Visit any bank branch or Business Correspondent (Bank Mitra) outlet
  2. Fill the PMJDY account opening form and complete KYC with Aadhaar or another officially valid document
  3. Collect the passbook and RuPay card

Documents usually needed

  • Aadhaar or another officially valid document
  • Photograph
Official scheme page ↗Ask about my eligibility

Nodal authority: Department of Financial Services. Amounts and rules change — the official page is the final word.